Sign In

Credit limits

Learn how credit limits work and how to manage your credit usage to avoid damaging your credit score.

Editors' picks

While organizing home finances, woman using mobile phone to calculate

What Should My Credit Limit Be Based on My Income?

Jim Akin profile imageBy Jim Akin
Jun 25, 2024
Two hands exchanging a credit card between them.

What Is a Credit Limit?

Louis DeNicola profile imageBy Louis DeNicola
Oct 24, 2023
man making payment with credit card in restaurant

What Happens When You Go Over Your Credit Limit?

Tim Maxwell profile imageBy Tim Maxwell
Oct 17, 2023

Take action with these tools

What others are reading

Woman using phone in cafe to check her credit limit

When’s a Good Time to Request a Credit Limit Increase?

Your card issuer considers various factors, such as your credit report and history with th...

Louis DeNicola profile imageBy Louis DeNicola
Jan 12, 2023

Does Requesting a Lower Credit Limit Hurt My Credit Score?

Louis DeNicola profile imageBy Louis DeNicola
Oct 19, 2021

What Is Revolving Credit?

Karen Axelton profile imageBy Karen Axelton
Jan 6, 2023

Does it Hurt to Increase Your Credit Limit?

Jennifer White profile imageBy Jennifer White
Feb 28, 2019

Can I Increase My Credit Limit on a Secured Credit Card?

Karen Axelton profile imageBy Karen Axelton
Sep 17, 2020

Can a Credit Limit Decrease Hurt Your Credit Score?

Jennifer White profile imageBy Jennifer White
Aug 31, 2022

Explore more topics

The latest from our experts

Why Is My Credit Limit So Low?

Factors including low credit scores and limited credit history can lead to low credit limi...

Jim Akin profile imageBy Jim Akin
Apr 23, 2024

Why Your Credit Card’s Available Credit Matters

Having more available credit can improve your creditworthiness and give you more spending ...

Louis DeNicola profile imageBy Louis DeNicola
Jul 21, 2023

Should I Get a New Credit Card to Increase My Available Credit?

If you need more available credit, applying for a new credit card is one way to accomplish...

Ben Luthi profile imageBy Ben Luthi
Dec 18, 2022

Does Getting Declined for a Credit Limit Increase Affect Your Credit?

Getting declined for a credit limit increase doesn't always impact your credit scores. But...

Louis DeNicola profile imageBy Louis DeNicola
Apr 16, 2021

Does a Credit Limit Decrease Hurt Your Credit Score?

Not only does a credit limit determine how much you can spend on an account, it can have a...

Stefan Lembo Stolba profile imageBy Stefan Lembo Stolba
Aug 9, 2020

Proportion of Balances to High Credit on Revolving Accounts

Dear Experian, Can you explain one of the factors for my credit score? The listed factor i...

Experian Team profile imageBy Experian Team
Jul 15, 2016

Going over the Limit on Your Credit Card

Dear Experian, What happens if your credit card goes over your limit? What are the best op...

Experian Team profile imageBy Experian Team
Jul 12, 2016

Experian is a globally recognized financial leader, committed to being a Big Financial Friend—empowering millions to take control of their finances through expert guidance and innovative tools. As a trusted platform for money management, credit education, and identity protection, our mission is to bring Financial Power to All™.

Support

Education & advice

Credit resources

Experian's Diversity logo.

Experian’s Inclusion and BelongingLearn more how Experian is committed

Data privacy logo.

Data privacyYour privacy choices

Download from the Apple App Store.Get it on Google Play.